3. You've tried doing work that is less physical or less stressful and it didn't help. Look, it's reasonable to try other jobs that might work better with your limitations. You absolutely should try to look for other work that's going to be easier on you. But if you've tried everything you can think of and you still can't manage it, maybe you want to think about applying for disability benefits.
4. You use all of your vacation days, sick days, Family Medical Leave Act for your condition and you still can't work the hours you need to. It's great that you're trying to work as much as you can. But if you can't put in the hours required to keep your job, you might want to think about going part-time or thinking about disability.
5. You've used up your short-term disability and now you're going to long-term disability. Long-term disability usually kicks in once you've exhausted your short-term disability policy around the six month mark but some policies start at a year. Almost every long-term disability policy requires you file for Social Security disability. If you do have a short or long-term disability policy, consider yourself very, very lucky. If you have the option of getting long-term disability through your employer - always say yes!
6. You paid for the benefit! It drives me crazy when someone refers to Social Security disability benefits (or SSDI) as welfare. It is not welfare*. SSDI benefits can only be given if someone has worked and paid into the system. It's no different than if you paid into a pension and got access to the pension early for disability. You paid for the benefit thus you should be able to access the benefit.
There are lots of reasons that a person might want to apply for disability benefits. Ultimately the choice has to be yours. Please contact The Foster Law Firm at (480)621-7231 or toll-free at (844)303-0735 today!
*SSI or Supplemental Security Income is need based and can be construed as a form of welfare. That's not what I'm referring to here.